I understand returned payment fees for checks, but I’ve never been charged for having a credit card decline.
Stupid of me to sign up for auto-payment when I use my credit card for gas, I guess.
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It’s expensive being poor. I used to get charged £15 if I didn’t have the funds because I wasn’t allowed an overdraft. Being unable to pay £5 left me with £-8 frequently. Because apparently I was allowed an overdraft if they did it to me.